How to get a certificate of liability insurance?

home insurance

The certificate of civil liability is the document that allows you to prove that you are covered for damages that you may cause to third parties. It allows you to prove that you have civil liability insurance, which is essential in the context of many private life procedures. Thus, in the event of involuntary damage caused to a third party involving your liability, it is your insurer who will take care of repairing the damage by compensating the victim.

Is civil liability insurance compulsory? We explain everything in this detailed article.

How to get it?

You already have home insurance: where can you find your certificate?

Good news! If you are the holder of a home insurance contract, all you have to do is contact your insurer to obtain your certificate. In an agency, by post, by email, or by telephone, the steps to be taken may vary depending on the internal organization of your insurance company. In some cases, you will be able to download your certificate yourself directly online, a significant time saver!

At Luko, the insurance certificate is available for download at any time from your online customer area or from the Luko mobile application.

You are not yet insured

If your home is not currently insured, then you will need to take out a home insurance policy including home liability cover. As soon as the contract is taken out, you will be immediately covered and benefit from a certificate to prove it.

Do you need to provide proof and want to be instantly guaranteed? Discover our offer in a few clicks!

If you do not have accommodation to insure, you can take out a private civil liability insurance contract without accommodation.

In which cases is the certificate of civil liability required?

Even if it is not systematically compulsory, this coverage is required on many occasions in everyday life. Let’s see together what are the cases where it can be requested:

  • To enroll your child in a crèche: it is common for you to be asked for a certificate of civil liability insurance for the children when compiling the enrollment file. It is essential to prevent potential accidents caused involuntarily by your child within the host establishment (injury to another child, damage to equipment, etc.);
  • In schools: now all schools require a school insurance certificate at the start of the year. School insurance is used to cover involuntary damage that your child could cause within his or her school, college, or high school;
  • In the context of higher education: essential for students, it is automatically requested at the start of the school year and compulsory for signing an internship agreement in a company;
  • For people residing in an EHPAD: all residents of an EHPAD must produce a certificate of civil liability upon their arrival at the establishment;
  • For the rental of a room during an event: you have reserved a room to celebrate a birthday or a wedding, be aware that proof of civil liability insurance will be requested from you before the keys are handed over;
  • For a holiday rental: holding this guarantee is one of the prerequisites for staying in accommodation during the holidays. There is also specific insurance called ” resort guarantee ” which allows you to extend the civil liability cover during your rental stay. Thus you are also protected in the event of damage ( water damage, fire, etc.) in the rental that you occupy temporarily.

At Luko, the holiday guarantee is included in all our contracts, regardless of the formula chosen.

  • As a volunteer within an association: an association has the obligation to be insured in civil liability to cover material or immaterial damage caused by its members. However, depending on the fault committed by the volunteer, it can completely turn against him to ask him to repair the damage caused. It is, therefore, preferable to be guaranteed personally to avoid any disappointment.

The risks in the absence of insurance

Beyond the previous cases where it is requested, be aware that a lack of insurance can also have serious financial consequences. Although sometimes not compulsory, civil liability insurance is a good idea to cover your back in the event of an accident or mishap. Here are some concrete examples to better understand its interest:

  • following a careless error, you jostle a passer-by on a bicycle and break his glasses;
  • you spill a glass of wine on your friends’ brand new couch;
  • accidentally, one of your children breaks a neighbor’s window with his ball;
  • at lunch break, you spill a glass of water on your colleague’s new smartphone;
  • while playing tennis, you inadvertently injure your partner;
  • at the supermarket, your youngest knocks down an old lady while playing with the shopping trolley. After medical examinations, she is hospitalized for a broken hip.

In all these configurations, your responsibility is fully engaged. Legally, you are required to repair any material, immaterial or bodily injury caused to a third party. However, in the absence of civil liability cover, you will have to personally pay all the costs related to this damage (reimbursement of the damaged equipment, compensation for the victim’s health costs, etc.).

What does civil liability cover?

This guarantee covers compensation for injuries or damage that you and the persons named in the insurance contract may accidentally cause to others. It, therefore, covers the entire household in the broad sense:

  • your family (spouse, ascendants, descendants);
  • your employees (housekeeper, gardener, babysitter, etc.);
  • your animals or the animals entrusted to you (generally with the exception of category 1 and 2 so-called “dangerous” dogs);
  • people who provide you with a voluntary service (moving, looking after your children, your animals, etc.).

You are also covered for damage caused by property or an object in your custody.

Damage covered

Civil liability mainly covers events occurring:

  • in private daily life including holidays;
  • during the practice of an amateur sport except exclusions mentioned on the contract;
  • during school time or during school holidays (holiday camps, leisure centers, student internships, etc.);
  • without your knowledge (by your minor children for example);
  • in the event of damage caused by real estate which you own, whether it is rented or unoccupied.

Uninsured damages

Please note, there are several scenarios where private liability insurance cannot be activated, these are:

  • damage caused intentionally;
  • damage caused by your vehicle (guaranteed by your car insurance contract);
  • damage committed in the course of a professional activity (guaranteed by professional civil liability);
  • damage caused to his relatives (members of the household, employees in service);
  • bodily injury of which you may be a victim yourself;
  • damage caused by dangerous dogs;
  • damage related to the practice of certain activities, in particular hunting and air sports. Note that there are insurances for spearfishing, for example, which allow you to cover yourself during the practice.

Distinguish between residential civil liability and private life

There are two types of civil liability insurance, each of which has a very specific role.

On the one hand, private civil liability insurance covers bodily and material damage caused by you or by people living in your household and objects placed under your responsibility. It intervenes for claims caused in the context of your private life at home or outside.

On the other hand, you also benefit from the occupant’s civil liability if you are a tenant. It guarantees you and the members of your household in the event of material damage caused inadvertently to the property of your landlord, your neighbor, or a third party. It intervenes for example in the case of water damage.

In the event that you are the owner, you also have a guarantee in the event of damage caused by your property to neighbors or third parties. So in the event of a claim such as a fire or an explosion originating from your property, you are covered through your building owner’s civil liability. Learn more about the neighbor and third-party recourse guarantee by consulting our article.

By Master James

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